Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, T\u00fcrkiye\u2019de yeni bir kat\u0131l\u0131m bankas\u0131n\u0131n kurulmas\u0131na izin verdi. BDDK\u2019nin 11 Haziran 2026 tarihli karar\u0131na g\u00f6re, B\u0130M Birle\u015fik Ma\u011fazalar A.\u015e.\u2019nin de ortaklar\u0131 aras\u0131nda bulundu\u011fu Dost Kat\u0131l\u0131m Bankas\u0131 A.\u015e. i\u00e7in yap\u0131lan ba\u015fvuru uygun g\u00f6r\u00fcld\u00fc.<\/p>\n
Karar, 17 Haziran 2026 tarihli Resm\u00ee Gazete\u2019de yay\u0131mlanarak kamuoyuna duyuruldu. Buna g\u00f6re Dost Kat\u0131l\u0131m Bankas\u0131 A.\u015e., 10 milyar TL kurulu\u015f sermayesiyle kurulacak.<\/p>\n
BDDK karar\u0131nda, yeni kat\u0131l\u0131m bankas\u0131n\u0131n kurulu\u015fu i\u00e7in ba\u015fvuruda bulunan \u015firketler de s\u0131raland\u0131. Ba\u015fvuru; B\u0130M Birle\u015fik Ma\u011fazalar A.\u015e., Desto At\u0131k Y\u00f6netimi A.\u015e., Dost Global Dan\u0131\u015fmanl\u0131k A.\u015e., GDP G\u0131da Paketleme Sanayi ve Ticaret A.\u015e. ile Es Global G\u0131da Sanayi Ticaret A.\u015e. taraf\u0131ndan yap\u0131ld\u0131.<\/p>\n
Kurul, ba\u015fvuruyu Bankac\u0131l\u0131k Kanunu ve ilgili d\u00fczenlemeler \u00e7er\u00e7evesinde de\u011ferlendirdi. Yap\u0131lan incelemenin ard\u0131ndan \u201cDost Kat\u0131l\u0131m Bankas\u0131 A.\u015e.\u201d unvanl\u0131 yeni bir kat\u0131l\u0131m bankas\u0131n\u0131n kurulmas\u0131na izin verilmesi kararla\u015ft\u0131r\u0131ld\u0131.<\/p>\n
BDDK\u2019nin verdi\u011fi izin, Dost Kat\u0131l\u0131m Bankas\u0131 i\u00e7in bankac\u0131l\u0131k sekt\u00f6r\u00fcne giri\u015f s\u00fcrecinin ilk a\u015famas\u0131 anlam\u0131na geliyor. Kurulu\u015f izniyle birlikte bankan\u0131n t\u00fczel ki\u015filik, sermaye, y\u00f6netim, organizasyon ve teknik altyap\u0131 s\u00fcre\u00e7lerini olu\u015fturmas\u0131n\u0131n \u00f6n\u00fc a\u00e7\u0131ld\u0131.<\/p>\n
Ancak bu karar, bankan\u0131n hemen m\u00fc\u015fteri kabul edece\u011fi ya da bankac\u0131l\u0131k i\u015flemlerine ba\u015flayaca\u011f\u0131 anlam\u0131na gelmiyor. T\u00fcrkiye\u2019de bir bankan\u0131n faaliyete ge\u00e7ebilmesi i\u00e7in kurulu\u015f izninden sonra ayr\u0131ca BDDK\u2019den faaliyet izni almas\u0131 gerekiyor.<\/p>\n
Faaliyet izni al\u0131nmadan banka; mevduat ya da kat\u0131l\u0131m fonu kabul edemiyor, kredi veya finansman kulland\u0131ram\u0131yor, m\u00fc\u015fteri hesab\u0131 a\u00e7am\u0131yor ve bankac\u0131l\u0131k hizmeti sunam\u0131yor. Bu nedenle Dost Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131n sekt\u00f6rde fiilen hizmet verebilmesi i\u00e7in ikinci a\u015famada faaliyet izni s\u00fcrecini tamamlamas\u0131 gerekecek.<\/p>\n
Dost Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131n kurulu\u015f izni, T\u00fcrkiye\u2019de kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 alan\u0131ndaki rekabetin geni\u015flemesi a\u00e7\u0131s\u0131ndan dikkat \u00e7ekti. Kat\u0131l\u0131m bankalar\u0131, geleneksel mevduat bankalar\u0131ndan farkl\u0131 olarak faizsiz finans ilkeleri do\u011frultusunda faaliyet g\u00f6steriyor.<\/p>\n
Bu modelde m\u00fc\u015fterilerden toplanan fonlar faiz geliri \u00fczerinden de\u011fil; ticaret, ortakl\u0131k, kira sertifikas\u0131, finansman, varl\u0131\u011fa dayal\u0131 i\u015flemler ve k\u00e2r-zarar payla\u015f\u0131m\u0131 gibi y\u00f6ntemlerle de\u011ferlendiriliyor. Banka ile m\u00fc\u015fteri aras\u0131ndaki ili\u015fki de klasik mevduat-faiz ili\u015fkisi yerine kat\u0131l\u0131m fonu ve k\u00e2r pay\u0131 esas\u0131na dayan\u0131yor.<\/p>\n
Yeni bankaya ili\u015fkin karar\u0131n en dikkat \u00e7eken y\u00f6nlerinden biri, ortakl\u0131k yap\u0131s\u0131nda B\u0130M Birle\u015fik Ma\u011fazalar A.\u015e.\u2019nin de yer almas\u0131 oldu. T\u00fcrkiye\u2019nin en b\u00fcy\u00fck perakende zincirlerinden biri olan B\u0130M\u2019in finans sekt\u00f6r\u00fcne kat\u0131l\u0131m bankas\u0131 ortakl\u0131\u011f\u0131 \u00fczerinden ad\u0131m atacak olmas\u0131, karar\u0131n ekonomi \u00e7evrelerinde yak\u0131ndan izlenmesine neden oldu.<\/p>\n
Perakende sekt\u00f6r\u00fcnde geni\u015f ma\u011faza a\u011f\u0131, y\u00fcksek i\u015flem hacmi ve g\u00fc\u00e7l\u00fc m\u00fc\u015fteri temas\u0131 bulunan \u015firketlerin finansal hizmetler alan\u0131na ilgisi son y\u0131llarda art\u0131yor. Dost Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131n ilerleyen d\u00f6nemde alaca\u011f\u0131 faaliyet izni, i\u015f modeli, dijital bankac\u0131l\u0131k stratejisi ve hedef m\u00fc\u015fteri kitlesi bankac\u0131l\u0131k sekt\u00f6r\u00fcnde merak edilen ba\u015fl\u0131klar aras\u0131nda yer alacak.<\/p>\n
Kurulu\u015f izni alan banka, faaliyet izni ba\u015fvurusu \u00f6ncesinde sermaye yap\u0131s\u0131n\u0131, y\u00f6netim kadrosunu, i\u00e7 sistemlerini, risk y\u00f6netimi mekanizmalar\u0131n\u0131, bilgi teknolojileri altyap\u0131s\u0131n\u0131 ve mevzuata uyum s\u00fcre\u00e7lerini tamamlamak zorunda olacak.<\/p>\n
BDDK, faaliyet izni a\u015famas\u0131nda bankan\u0131n operasyonel yeterlili\u011fini, mali g\u00fcc\u00fcn\u00fc, y\u00f6netim yap\u0131s\u0131n\u0131, i\u00e7 denetim sistemlerini ve bankac\u0131l\u0131k faaliyetlerini g\u00fcvenli \u015fekilde y\u00fcr\u00fctebilme kapasitesini yeniden de\u011ferlendirecek.<\/p>\n
Bu a\u015faman\u0131n tamamlanmas\u0131n\u0131n ard\u0131ndan faaliyet izni verilirse Dost Kat\u0131l\u0131m Bankas\u0131, kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 esaslar\u0131na g\u00f6re m\u00fc\u015fteri kabul edebilecek ve bankac\u0131l\u0131k hizmetlerine ba\u015flayabilecek.<\/p>\n
Dost Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131n kurulu\u015f izni, T\u00fcrkiye\u2019de faizsiz finans alan\u0131nda yeni bir kurumsal oyuncunun sekt\u00f6re haz\u0131rlanmas\u0131 bak\u0131m\u0131ndan \u00f6nem ta\u015f\u0131yor. Bankan\u0131n faaliyete ge\u00e7mesi halinde kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 pazar\u0131nda rekabetin artmas\u0131, \u00fcr\u00fcn \u00e7e\u015fitlili\u011finin geni\u015flemesi ve \u00f6zellikle dijital finansal hizmetlerde yeni modellerin g\u00fcndeme gelmesi bekleniyor.<\/p>\n
Uzmanlara g\u00f6re perakende, g\u0131da, tedarik zinciri ve finansal teknoloji alanlar\u0131n\u0131n kesi\u015fti\u011fi yeni bankac\u0131l\u0131k modelleri, \u00f6n\u00fcm\u00fczdeki d\u00f6nemde bankac\u0131l\u0131k sekt\u00f6r\u00fcnde daha fazla g\u00f6r\u00fcn\u00fcr hale gelebilir. Dost Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131n faaliyet izni al\u0131p almayaca\u011f\u0131 ve hangi hizmet modeliyle pazara girece\u011fi ise s\u00fcrecin sonraki a\u015famas\u0131nda netle\u015fecek.<\/p>\n","protected":false},"excerpt":{"rendered":"
BDDK, B\u0130M\u2019in de ortaklar\u0131 aras\u0131nda yer ald\u0131\u011f\u0131 Dost Kat\u0131l\u0131m Bankas\u0131 A.\u015e.\u2019nin kurulmas\u0131na izin verdi. 10 milyar TL kurulu\u015f sermayesiyle kurulacak banka, faaliyet izni almas\u0131 halinde kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 alan\u0131nda hizmet verecek.<\/p>\n","protected":false},"author":2,"featured_media":14566,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,3483],"tags":[61,54,10933,11037,58,11039,11038,433],"class_list":["post-31565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-4-bolge","tag-bankacilik","tag-bddk","tag-bim","tag-dostkatilimbankasi","tag-ekonomi","tag-faizsizfinans","tag-katilimbankaciligi","tag-resmigazete"],"yoast_head":"\n